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1. 发明授权

US08286867B1 Banking system controlled responsive to data bearing records 有权
标题翻译：控制数据记录的银行系统
公开(公告)号：US08286867B1
公开(公告)日：2012-10-16
申请号：US13334124
申请日：2011-12-22
申请人： Martin J Brown , Todd Galloway , Robert W Barnett , Mike R. Ryan , James R Kay , Mark A Ward , David A Peters , Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
发明人： Martin J Brown , Todd Galloway , Robert W Barnett , Mike R. Ryan , James R Kay , Mark A Ward , David A Peters , Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
IPC分类号： G06K7/00
CPC分类号： G07D7/04 , G06Q20/042 , G06Q40/02 , G07D7/12 , G07D7/206 , G07D11/0087 , G07F19/20 , G07F19/202 , G07F19/205
摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including read card data, and to cause a financial transfer from an account corresponding to read card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.
摘要翻译：一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。该机器包括读卡器，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机和收据打印机。该机器可操作地基于识别包括读卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从对应于读卡数据的账户进行财务转账。该机器包括检验受体，用于确定检查中包括的磁性符号。可以通过操作机器的支票接受者来收到支票来兑换现金。

2. 发明授权

US08083136B1 Banking system controlled responsive to data bearing records 有权
标题翻译：控制数据记录的银行系统
公开(公告)号：US08083136B1
公开(公告)日：2011-12-27
申请号：US12378050
申请日：2009-02-10
申请人： Martin J. Brown , Todd Galloway , Robert W. Barnett , Mike R. Ryan , James R. Kay , Mark A. Ward , David A. Peters , Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
发明人： Martin J. Brown , Todd Galloway , Robert W. Barnett , Mike R. Ryan , James R. Kay , Mark A. Ward , David A. Peters , Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
IPC分类号： G06K7/00
CPC分类号： G07D7/04 , G06Q20/042 , G06Q40/02 , G07D7/12 , G07D7/206 , G07D11/0087 , G07F19/20 , G07F19/202 , G07F19/205
摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.
摘要翻译：一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。该机器包括读卡器，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机和收据打印机。该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从与卡数据相对应的帐户进行财务转移。该机器包括检验受体，用于确定检查中包括的磁性符号。可以通过操作机器的支票接受者来收到支票来兑换现金。

3. 发明授权

US07922098B1 Banking system controlled responsive to data bearing records 有权
标题翻译：控制数据记录的银行系统
公开(公告)号：US07922098B1
公开(公告)日：2011-04-12
申请号：US12798050
申请日：2010-03-29
申请人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
发明人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
IPC分类号： G06K19/08
CPC分类号： G06Q20/042 , G06Q20/1085 , G07F19/20
摘要： An automated banking machine operates to carry out financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.
摘要翻译：一个自动银行机器可以根据从数据记录中读取的数据进行财务转移。该机器包括读卡器，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机和收据打印机。该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信，从与卡数据相对应的帐户进行财务转移。该机器包括检验受体，用于确定检查中包括的磁性符号。可以通过操作机器的支票接受者来收到支票来兑换现金。

4. 发明申请

US20120104093A1 BANKING SYSTEM CONTROLLED RESPONSIVE TO DATA BEARING RECORDS 有权
标题翻译：控制数据承载记录的银行系统
公开(公告)号：US20120104093A1
公开(公告)日：2012-05-03
申请号：US13346122
申请日：2012-01-09
申请人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
发明人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
IPC分类号： G07F19/00
CPC分类号： G06Q20/042 , G06Q20/1085 , G07F19/20
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent
摘要翻译：自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。自动银行机包括读卡器，用于从对应于财务账户的用户卡读取卡数据。自动银行机还包括显示器和打印机，用于产生与机器进行的金融交易的记录。读卡器可操作以响应地读取并返回从用户卡读取的卡片信息。自动银行机器还可以包括可用于确定与该支票是欺诈性相关联的概率的支票接受者

5. 发明授权

US08091784B1 Banking system controlled responsive to data bearing records 有权
标题翻译：控制数据记录的银行系统
公开(公告)号：US08091784B1
公开(公告)日：2012-01-10
申请号：US12378043
申请日：2009-02-10
申请人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
发明人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
IPC分类号： G06K9/00
CPC分类号： G06Q20/042 , G06Q20/1085 , G07F19/20
摘要： An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user cards. The card data corresponds to financial accounts. The automated banking machine further includes a cash dispenser and a receipt printer. The machine is operative to dispense cash to an authorized user based on identifying data including card data, and to cause a financial transfer from an account corresponding to card data through communication with at least one remote computer. The machine includes a check acceptor that operates to determine magnetic symbols included on checks. Cash may be dispensed in exchange for a check received through operation of the check acceptor of the machine.
摘要翻译：一个自动银行机器可以根据数据读取形式的数据记录进行财务转移。该机器包括读卡器，用于从用户卡读取数据。卡数据对应于财务账户。自动银行机还包括自动提款机和收据打印机。该机器可操作地基于识别包括卡数据的数据向授权用户分配现金，并且通过与至少一个远程计算机的通信从与卡数据相对应的帐户进行财务转移。该机器包括检验受体，用于确定检查中包括的磁性符号。可以通过操作机器的支票接受者来收到支票来兑换现金。

6. 发明授权

US08302855B2 Banking system controlled responsive to data bearing records 有权
标题翻译：控制数据记录的银行系统
公开(公告)号：US08302855B2
公开(公告)日：2012-11-06
申请号：US13346122
申请日：2012-01-09
申请人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
发明人： Songtao Ma , Sangeeta Huria , Eric Klein , Tim Crews
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/1085 , G07F19/20
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine may also include a check acceptor that is usable to determine a probability associated with the check being fraudulent.
摘要翻译：自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。自动银行机包括读卡器，用于从对应于财务账户的用户卡读取卡数据。自动银行机还包括显示器和打印机，用于产生与机器进行的金融交易的记录。读卡器可操作以响应地读取并返回从用户卡读取的卡片信息。自动银行机器还可以包括可用于确定与该支票是欺诈性相关联的概率的支票接受者。

7. 发明授权

US08573480B2 Card activated cash dispensing automated banking machine 有权
标题翻译：卡激活的现金分发自动银行机
公开(公告)号：US08573480B2
公开(公告)日：2013-11-05
申请号：US13310858
申请日：2011-12-05
申请人： Songtao Ma , David Vidmar , Michael Russell , Larry Harmon , Eric Klein , Jeffery M. Enright , Mike R. Ryan , Wayne Wellbaum
发明人： Songtao Ma , David Vidmar , Michael Russell , Larry Harmon , Eric Klein , Jeffery M. Enright , Mike R. Ryan , Wayne Wellbaum
IPC分类号： G06Q40/00
CPC分类号： B65H7/12 , B65H2220/01 , B65H2511/51 , B65H2511/524 , B65H2553/30 , B65H2557/64 , G06Q20/042 , G07D7/08 , G07D7/12 , G07F19/20 , B65H2220/03
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet.
摘要翻译：自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。自动银行机包括读卡器，用于从对应于财务账户的用户卡读取卡数据。自动银行机还包括显示器和打印机，用于产生与机器进行的金融交易的记录。读卡器可操作以响应地读取并返回从用户卡读取的卡片信息。自动银行机还包括纸张检测器，其可操作以检测至少一种可用于区分纸张的存在或不存在的特性和/或确定纸张的性质。

8. 发明授权

US08387865B2 Banking system that operates responsive to data read from data bearing records 有权
标题翻译：对从数据记录读取的数据进行响应的银行系统
公开(公告)号：US08387865B2
公开(公告)日：2013-03-05
申请号：US12802563
申请日：2010-06-09
申请人： Michael Russell , Larry Harmon , Eric Klein , Kevin Newton , Jeffery M. Enright , Mike R. Ryan , Wayne D. Wellbaum , Songtao Ma
发明人： Michael Russell , Larry Harmon , Eric Klein , Kevin Newton , Jeffery M. Enright , Mike R. Ryan , Wayne D. Wellbaum , Songtao Ma
IPC分类号： G06Q40/00
CPC分类号： B65H7/12 , B65H2220/03 , B65H2220/09 , B65H2511/413 , B65H2511/51 , B65H2511/524 , B65H2553/30 , B65H2557/64 , G06Q20/042 , G07D7/08 , G07D7/12 , G07F19/20 , B65H2220/01
摘要： An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.
摘要翻译：一个自动银行机器可以根据数据记录进行财务转移。自动银行机包括读卡器，其可操作以从对应于金融账户的用户卡读取数据。自动银行机还包括可接收笔记和支票中的至少一个的工作表接受装置。音符接受器包括至少一个包括至少一个超声波探测器的校验器。所述至少一个验证器用于通过识别在这些片连接的笔记中的接缝或其他紧固特征来识别由正装音符组合而产生的可疑假笔记。笔记验证器还可以包括图像传感器和/或辐射传输传感器，其可进一步用于识别可以区分有效和可疑假冒笔记的接缝或其他紧固特征的存在。

9. 发明申请

US20100243729A1 Banking system that operates responsive to data read from data bearing records 有权
标题翻译：对从数据记录读取的数据进行响应的银行系统
公开(公告)号：US20100243729A1
公开(公告)日：2010-09-30
申请号：US12802563
申请日：2010-06-09
申请人： Michael Russell , Larry Harmon , Eric Klein , Kevin Newton , Jeffery M. Enright , Mike R. Ryan , Wayne Wellbaum , Songtao Ma
发明人： Michael Russell , Larry Harmon , Eric Klein , Kevin Newton , Jeffery M. Enright , Mike R. Ryan , Wayne Wellbaum , Songtao Ma
IPC分类号： G06Q40/00
CPC分类号： B65H7/12 , B65H2220/03 , B65H2220/09 , B65H2511/413 , B65H2511/51 , B65H2511/524 , B65H2553/30 , B65H2557/64 , G06Q20/042 , G07D7/08 , G07D7/12 , G07F19/20 , B65H2220/01
摘要： An automated banking machine operates to cause financial transfers responsive to data bearing records. The automated banking machine includes a card reader that is operative to read data from user cards corresponding to a financial account. The automated banking machine further includes a sheet accepting device that is operative to receive at least one of notes and checks. A note acceptor includes at least one validator that includes at least one ultrasonic detector. The at least one validator is operative to identify suspect counterfeit notes produced by assembling pieces of genuine notes by identifying seams or other fastening features in the notes where such pieces are joined. The note validator may further include image sensors and/or radiation transmission sensors which are further usable to identify the presence of seams or other fastening features that can distinguish valid and suspect counterfeit notes.
摘要翻译：一个自动银行机器可以根据数据记录进行财务转移。自动银行机包括读卡器，其可操作以从对应于金融账户的用户卡读取数据。自动银行机还包括可接收笔记和支票中的至少一个的工作表接受装置。音符接受器包括至少一个包括至少一个超声波探测器的校验器。所述至少一个验证器用于通过识别在这些片连接的笔记中的接缝或其他紧固特征来识别由正装音符组合而产生的可疑假笔记。笔记验证器还可以包括图像传感器和/或辐射传输传感器，其可进一步用于识别可以区分有效和可疑假冒笔记的接缝或其他紧固特征的存在。

10. 发明申请

US20120138676A1 CARD ACTIVATED CASH DISPENSING AUTOMATED BANKING MACHINE 有权
标题翻译：卡启动箱自动分配机
公开(公告)号：US20120138676A1
公开(公告)日：2012-06-07
申请号：US13310858
申请日：2011-12-05
申请人： Songtao Ma , David Vidmar , Michael Russell , Larry Harmon , Eric Klein , Jeffery M. Enright , Mike P. Ryan , Wayne Wellbaum
发明人： Songtao Ma , David Vidmar , Michael Russell , Larry Harmon , Eric Klein , Jeffery M. Enright , Mike P. Ryan , Wayne Wellbaum
IPC分类号： G07F19/00
CPC分类号： B65H7/12 , B65H2220/01 , B65H2511/51 , B65H2511/524 , B65H2553/30 , B65H2557/64 , G06Q20/042 , G07D7/08 , G07D7/12 , G07F19/20 , B65H2220/03
摘要： An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine also includes a display and a printer to produce records of financial transactions carried out with the machine. The card reader is operative to read and return card information read from the user card responsive. The automated banking machine further includes a sheet detector that is operative to detect at least one property usable to distinguish between the presence or absence of a sheet and/or determine a property of the sheet.
摘要翻译：自动银行业务机构可以根据从数据记录中读取的数据进行财务转移。自动银行机包括读卡器，用于从对应于财务账户的用户卡读取卡数据。自动银行机还包括显示器和打印机，用于产生与机器进行的金融交易的记录。读卡器可操作以响应地读取并返回从用户卡读取的卡片信息。自动银行机还包括纸张检测器，其可操作以检测至少一种可用于区分纸张的存在或不存在的特性和/或确定纸张的性质。

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